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Buyers Guide

 

STEP 1: HOW MUCH CAN I AFFORD?

A recommended Independent Mortgage Advisor will be happy to help you organise your finances. This would be a good time to appoint a solicitor, you will need one to carry out the conveyancing.

STEP 2: RESERVE YOUR NEW ALLANWATER HOME

Your reservation fee will hold the property for you for 14 days, giving you time to arrange a mortgage and conclude your missives.

STEP 3: ARRANGE A MORTGAGE

You’ve already worked out your budget, now it’s time to secure the best deal.

STEP 4: CONCLUDE MISSIVES

Sign on the dotted line and everyone is committed. From this point on you are legally bound to the purchase of your new home.

STEP 5: LEGAL COMPLETION

The day the monies transfer and you get your keys. At last – the moment you’ve been waiting for – welcome home!

 

MOVING MADE EASY

Now that you have successfully navigated the buying process, it’s time to organise the move! As with the home purchase process, the secret to ensuring your move goes smoothly is to have things organised well in advance. Effective planning will mean that the move itself goes well and also that the first few weeks in your new home aren’t spent trying to find misplaced belongings! The countdown should really begin as early as two months before your move date and at least as soon as you’ve signed missives.

     

Basically you have two choices. You can either move yourself, or use a specialist removals company. If you are moving yourself, you need to ensure you have a van of the necessary size booked, and the manpower to lift all your belongings. If you are using a removals firm, make sure you take the time to pick the best one for you. Ask about and seek recommendations from friends, family and work colleagues for a reputable removal company. Then get at least three written quotes for removal costs. Before contacting removal companies to get a quote for your move, you need to work out exactly what you want them to do. Make a quick checklist so that when you call up for a quote, you can be precise about your requirements.

  • When you want to move
  • Are you going straight to your new home the day you move out of your current one?
  • If not how long will you require storage for your possessions?
  • Where are you moving to? Is it local/long distance?
  • Do you need boxes and packing equipment?
  • Are you doing the packing yourself or are they? (Some removals firms offer a comprehensive packing service.)
  • How many possessions do you have?
  • Do you have any fragile goods?
  • Do you have any awkward shaped or very large items?
  • Do you have any valuable goods?
  • What insurance will you need? Check whether there are any exclusions.
When choosing a moving date you will find that Fridays, weekends and bank holidays are usually in high demand with removals firms so, if possible, try and organise yourselves for a mid-week moving date. You may even find that the removal company offers a discount if you move on an off-peak weekday.
Planning well in advance of your move will help ensure it goes smoothly.
  • Confirm your moving date with all parties, including your removals firm
  • Arrange home insurance to cover your new home from the day you move in
  • Notify all your current utility companies of your moving date and arrange electricity, gas and water meter readings on your property
  • Arrange for your new telephone line/internet/satellite/cable connections to be made – these need booking well in advance and you don’t want to be without them
  • Make a list of all the people you need to notify. Include all your service providers such as car insurers etc – a good starting point is to go through your bills; plus your employer, friends and family
  • Start sorting out your possessions. Moving home is a perfect opportunity to throw away, or donate to charity, any unwanted or surplus items – some of which have probably sat in your loft since you moved into your current home!
  • Book the required time off with your employer.
 
  • Arrange when you are going to collect the keys to your new home – and from where
  • Confirm your moving time to the people you are buying from, and the removals firm
  • Organise a time with your landlord, solicitor or estate agents to hand over your old keys
  • Arrange to get your mail redirected by the Post Office to your new address
  • Notify all other service providers of your change of address
  • De-register from your doctor and dentist if you are moving out of the area and re-register in your new locality
  • Notify any local services you use, such as milk delivery, papers, window cleaning, etc and arrange a cancellation date
  • If you are packing yourself, begin with any non-essential items, e.g. spare clothes, extra crockery, books. Make sure you colour code or label the boxes as you go
  • Arrange for any final bills to be paid
  • Have meters read and pay any outstanding amount
  • Find some old blankets to put down in your new home to protect carpets when you and/or the removal company are trekking in and out
  • Start cleaning your old house – it’s only fair to “leave it as you would like to find it”
  • Ensure your pets have tags with your mobile or new phone number on them
  • Put important documents such as passports and drivers’ licences in a safe place
  • Keep all your house move related documents together.
 
  • Prepare a pack of ‘essentials’ that you will need on the day. This should include things like:
  • Toilet roll, candles, matches, toiletries, underwear, cash, phone charger
  • Tape measures, extension leads, tool-kits and step-ladders
  • Kettle, mugs, tea, coffee, milk, biscuits etc
  • Any medication that you or your family may need
  • A chilled refreshment for after your move!
  • If moving yourself, collect your hire van
  • Defrost the fridge and freezer
  • Clearly mark up all boxes
  • Label or colour code all the boxes and with the room you want them to be put in. You don’t want to have to move everything twice
  • Mark any boxes containing fragile items, so the removal firm will know to take special care.
 
  • Make sure the removals company know where they are going and have directions to your new house
  • Make sure everyone involved has your mobile phone number
  • Unplug all your remaining appliances
  • Strip the beds and keep the linen separate in a bag that travels with you so you can use them on the first night in your new home
  • Put your ‘essentials’ into your car and out of the way of the removals men
  • Count the boxes before they are moved and check when they are delivered to your new address that you have them all
  • Don’t attempt to do all your unpacking on the first day. Just unpack what you need – and make sure you have made your beds and put curtains up in the bedrooms and that there is somewhere comfortable to sit, eat and sleep
  • Sit down, put your feet up, order a take away and open the wine to celebrate being in your new home!
  • Spend some time considering how you are going to pack your possessions. Books are easy but heavy valuables need careful wrapping and will take time, and some furniture may need to be dismantled
  • Start early. Packing always takes longer than anticipated, particularly when you start reminiscing over old photographs or school books stored in the attic
  • Begin at the top of the house and move downwards. If you have an attic, it’s a good idea to sort it out first
  • Always pack heavy items in small boxes. It will make transporting them easier. Also, keep the weight of all boxes to a minimum to avoid any back injuries
  • Pack one room at a time, clearly labelling each box with details of its contents and the room to which it belongs. Clearly label boxes that contain breakables and also those that are load-bearing and can be stacked in the van
  • Keep all boxes for each room together. This will save time unpacking
  • Pack heavier items on the bottom of the box and lighter items on top
  • Wrap items individually and place in a box that’s been lined with several layers of newspaper and a sheet of bubble wrap. Any breakables should also be wrapped in bubble wrap. Use clean tissue or wrapping paper for the first layer to prevent newspaper print leaving marks. Pillows and blankets are also useful for wrapping valuables and protecting furniture prone to dents and scratches
  • Pack important documents together, such as birth and marriage certificates, and keep them in a safe place.